FHA, conventional, cash - EMD (earnest money deposit) transactions average $2,000. EMD has no set amount. I advise my buyers to offer EMD of $3,000-$5,000 & up on more expensive properties. Down payment is different; 3.5% FHA to 20% & up for conventional. Some FHA government assistance allow buyers to purchase with 0- 1% down payment. I hope this helps. if you need any more information, please call Shirley at 323-385-3584. I look forward to providing you the best service?